Short term medical pays benefits like a major medical insurance plan,but for a predetermined length of time. These affordable plans have a wide range of deductibles to fit your lifestyle needs and budget.

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Short-Term Medical Insurance Underwritten by Companion Life Insurance Company
Health Insurance Innovation's 1st Med Short-Term Medical is the affordable solution right for you. It pays benefits like a major medical insurance plan, but for a pre-determined length of time, and pays benefits up to a $1,000,000 per Covered Person per Coverage Period. You can select from a wide range of deductible and coinsurance options to tailor a plan to fit your lifestyle needs and budget!

This type of plan is NOT considered "minimum essential coverage" under the Affordable Care Act and therefore you may be subject to a tax penalty.

HII's 1st Med Short-Term Medical is ideal for those who are:

Between jobs or laid off

Waiting for employer benefits

Part-time or temporary employees

Recently graduated

Without adequate health insurance

Exclusive features include:

1st Med STM pays covered expenses up to the $1,000,000 per Covered Person per Coverage Period

Choice of Coverage Periods - up to 6 months or up to 364 days (Coverage periods of greater than 6 months are not available in all states)

Doctor's Office or Urgent Care Facility visits are not subject to the deductible, and after the $50 Co-pay is paid at the coinsurance rate

Choice of deductibles - $250, $500, $1,000, $2,500, $5,000 or $7,500

Coinsurance options - 80% or 50% up to $5,000, and 100% thereafter up to the Maximum Limit Per Coverage Period*

Freedom to choose any doctor or hospital

Child Only Coverage available - the minimum age is two years old

Med-Sense Guaranteed Association membership is required in most states. as well as many life style discounts for various services and purchases

Choose to pay plan costs by MasterCard, Visa or Automatic bank draft.

* Subject to the Usual, Reasonable, and Customary Limits.

Legal Disclaimer: This web site provides a brief description of the plan. You must be 18 years old to apply. The policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in policy form number STMP 5000. If there are any conflicts between this document and the Policy, the Policy shall govern. The 1st Med Short-Term Medical is not available in all U.S states or any other countries outside the U.S and coverage and benefits may vary by state as well.
If you have any questions about the content at this website please contact Health Insurance Innovations at 1-877-376-5831

Benefit Details

Why Short-Term Medical (STM)?
Circumstances in life may have caused you to lose your health insurance. Unexpected illnesses and accidents happen every day, but you don't have to put your financial future at risk. Purchase short-term medical insurance until permanent insurance becomes available for you.

That's why Health Insurance Innovations'
1st Med Short-Term Medical Plan is the right solution for you. 1st Med STM pays benefits like a major medical insurance plan, but for a pre-determined length of coverage, up to $1,000,000 per Covered Person per Coverage Period. You can select from a wide range of deductible and coinsurance options to tailor a plan that fits your lifestyle and budget!

How do I figure out what I need and where do I start?

First, Select Your Coverage Period:

Single Payment
This option is ideal if you know the exact number of days you need coverage. The minimum number of days you may apply for coverage is 30 days; the maximum is 180 days. Pay now for the number of days you will need STM coverage. If you need a longer coverage period, select monthly pay, where you will have the option of up to 364 days of coverage in select states. We accept payment by Visa, MasterCard, or Bank Draft.

Monthly Pay
This option is ideal if you are unsure how long coverage is needed. This "pay as you go" option gives you the flexibility to continue coverage for as long as it's needed, or you can stop payments to discontinue the plan once your temporary need ends. You can select coverage maximums of up to 6 months or up to 364 days depending on which state you reside in. We accept automatic monthly payments by Visa, MasterCard, or Bank Draft.

Then, based on your lifestyle needs and budget, select one from each of the following:

Deductible: $250, $500, $1,000, $2,500, $5,000 or $7,500
The selected deductible must be paid by each Covered Person before Coinsurance benefits are payable. (After 3 individuals meet their deductible, the deductible is deemed satisfied for any remaining covered individuals.)

Coinsurance Percentage: 80/20 or 50/50
Your selection of a Coinsurance Percentage represents the percent of covered expenses that we pay and that you pay*, after the deductible has been satisfied, up to the Coinsurance Maximum. (After 3 individuals have met their deductible, the deductible is deemed satisfied for any remaining covered individuals.)

Coinsurance Maximum: $5,000
Once you've reached your Coinsurance Maximum of $5,000 (based on your selection), we pay 100%* up to the $1,000,000 Maximum Limit per Coverage Period. For example, if your coinsurance is 80/20, you pay 20%* of the next $5,000 in covered charges ($1,000 out-of-pocket plus deductible). Then we pay at 100%* up to the Maximum Limit per Coverage Period.

* Subject to the Usual, Reasonable, and Customary Limits

What medical expenses are covered?

The following benefits are for Insured and each Covered Dependent subject to the plan Deductible, Coinsurance Percentage, Coinsurance Limit and Maximum Limit per Coverage Period of $1,000,000. Benefits are limited to the Usual, Reasonable and Customary charge for each Covered Expense, in addition to any specific limits stated in the policy.

Inpatient Hospital charges paid at the average semi-private room rate

Miscellaneous Medical Services, doctors medical care and treatment

Intensive Care Unit

$50 Co-Pay for Doctor Office Visit or Urgent Care Facility, after which the coinsurance applies. The plan deductible does not apply to this benefit.

Note: This is a brief description of the plan benefits, which may vary by state.

What is Pre-Admission Certification?

All hospitalizations, other Inpatient care, and surgeries or surgical procedures must be pre-certified. You must contact the Professional Review Organization as soon as possible before the expense is to be incurred or within 48 hours following an emergency admission, or as soon as reasonably possible. Failure to pre-certify will result in a reduction in benefits of 50%.

How does Usual, Reasonable and Customary affect my benefits?

We may use and subscribe to a standard industry reference source that collects data and makes it available to its member companies in order to determine the amount that should be considered as Usual, Reasonable and Customary for services and supplies.
The policy defines Usual, Reasonable and Customary to mean: a usual fee is defined as the charge made for a given service by a doctor to the majority of his or her patients; and a customary fee is one that is charged by the majority of doctors with a community for the same services. All benefits are limited to Usual and Customary charges.

Do I have the option to use any doctor or hospital?

Yes, you have the option to use any doctor or hospital, there is no PPO or HMO Network requirement to receive full benefits.

What if I change my mind after I purchase the STM Coverage?

If for any reason you are not satisfied with your coverage, and you have not filed a claim, you may return the Certificate to us within 10 days (30 days for New Hampshire) after you receive it. We will refund any plan cost you paid and your STM coverage will be null and void.

What is the Pre-Existing Conditions Limitation?

We will not provide benefits for any loss caused by or resulting from, a Pre-Existing Condition.
A Pre-Existing Condition is defined as charges resulting directly or indirectly from a condition for which a Covered Person received medical treatment diagnosis, care or advice within the sixty-month period immediately preceding such Person's Effective Date are excluded for the first 12 months of coverage here under. Pre-existing conditions include conditions that produced any symptoms which would have caused a reasonable person to seek diagnosis, care or treatment within the sixty-month period immediately prior to the coverage effective date. (The Pre-Existing Conditions Limitation varies by state and the look back period for the pre-existing condition may be less than 5 years.)

Who is eligible to apply for this insurance?

1st Med Short-Term Medical is available to Med-Sense Guaranteed Association members and their spouses, who are between 18 and 64 years old and their dependent unmarried children under 19 years old or under 25 if a full time student in an accredited school (This may vary by jurisdiction.); and can answer "No" to all of the questions in the application for insurance. Child-only coverage is available for ages two though eighteen.

When does coverage start?

If you submit your application today, you can select your insurance coverage to be effective as early as 12:01 a.m. the next day to cover your accidents and 5 days later to cover sickness. There is a 30 day waiting period for Cancer benefits that being, by occurrence of symptoms or treatment at least 30 days following the effective date. However, you can choose a later effective date, but not to exceed 60 days from the date of your submitted application. All coverage is subject to approval of your application and receipt of your first payment. Please refer to the plan limitations and exclusions for complete details.

When does the STM coverage terminate?

1st Med Short-Term Medical will automatically terminate on the earliest of the following dates:
The Expiration date of your coverage; the date the Group Policy Terminates; the date the insurance under the Group Policy is discontinued; the due date of a payment, if it is not paid by the end of the 31 day grace period; the date you become eligible for Medicare; your dependent's coverage ends when your coverage terminates or the dependent becomes eligible for Medicare; or the dependent ceases to be eligible; the date you enter full-time active duty in the armed forces of any country or international organization; or the date we determine fraudulent statements or material misrepresentation have been made by you or with your knowledge in filing a claim for benefits.

What services and charges are not covered?

The following is a partial list of services or charges not covered by 1st Med Short-Term Medical: *

Not medically necessary, except as specifically defined in the policy

Payable by Medicare or Workers' Compensation coverage

Payable under any automobile insurance

Declared or undeclared war, participation in a riot illegal act or occupation, or an attempted felony or assault

Injury or Sickness arising out of and in the course of any occupation for compensation, wage or profit

* The limitations and exclusions may vary by state. Please see the Policy/Certificate of Insurance for detailed information about these and other plan limitations and exclusions.

NOTE: NO CONTINUOUS COVERAGE. This short-term medical has no continuous coverage and is not renewable.

Although this short-term plan may be rewritten for new and completely separate Coverage Periods (as long as you meet the eligibility criteria described in the application), coverage does not continue from one policy/certificate of insurance to another. This means that a new application must be submitted, a new effective date is given, a new pre-existing condition exclusion period begins and a new deductible and out-of-pocket expense must be met. Any medical condition which may have occurred and/or existed under a prior policy/certificate will be treated as a pre-existing condition under the new certificate. Many states have specific rules on the number of times a short-term medical plan can be rewritten.

Who is Companion Life Insurance Company?

Companion Life Insurance Company is an admitted insurer rated "A+" (Superior) by A.M. Best Company, rating as of January 23, 2013. A.M. Best ratings range from D to A++. Companion Life Insurance Company has sole financial responsibility for it products.

The A.M. Best rating represents an independent opinion from the leading provider of insurer ratings of a company's financial strength and ability to meet its obligations to policyholders.

Accidental Death and Dismemberment Insurance

Included with this plan, the primary member is provided with Accidental Death and Dismemberment (AD&D) benefits. The following is an overview of your AD&D Insurance Benefits, underwritten by FEDERAL INSURANCE COMPANY, a member insurer of the Chubb Group of Insurance Companies.

Benefits per Covered Person*

SPIRIT 25

Principal Sum Amount

$25,000

Accidental Loss of Life

100% of full amt.

Accidental Loss of Speech and Loss of Hearing

100% of full amt.

Accidental Loss of Speech and one of Loss of Hand, Loss of Foot, or Loss of Sight in One Eye

100% of full amt.

Accidental Loss of Hearing and one of Loss of Hand, Loss of Foot, or Loss of Sight in One Eye

100% of full amt.

Accidental Loss of Hands (Both), Loss of Feet (Both), Loss of Sight or a combination of any two of Loss of Hand, Loss of Foot, or Loss of Sight of One Eye

100% of full amt.

Accidental Loss of Hand, Loss of Foot, or Loss of Sight of One Eye (Any one of each)

50% of full amt.

Accidental Loss of Speech or Loss of Hearing

50% of full amt.

Accidental Loss of Thumb and Index Finger of the same Hand

25% of full amt.

* The benefit is paid for covered losses due to a covered accident. For the benefit to be paid all the following three (3) conditions must be met: (1) You are covered for AD&D Insurance on the date of the accident. (2) The loss occurs within 365 days of the date of the accident. (3) The cause of the loss is not excluded. This coverage provides coverage for losses due to accidents only. It does not provide insurance coverage for sickness or losses due to sickness. Eligible members must be at least age 18 and under age 65 on the date of application. Benefits will decrease to 65% of the Principal Sum at age 70, 45% of the Principal Sum at age 75, 30% of the Principal Sum at age 80, and 15% of the Principal Sum at age 85. For complete Terms and Conditions refer to the Description of Coverage. (Policy #9907-71-53).

* The benefit is paid for covered losses due to a covered accident. For the benefit to be paid all the following three (3) conditions must be met: (1) You are covered for AD&D Insurance on the date of the accident. (2) The loss occurs within 365 days of the date of the accident. (3) The cause of the loss is not excluded. Coverage is provided for losses due to accidents only. It does not provide insurance coverage for sickness or losses due to sickness. For complete Terms and Conditions, please refer to your Description of Coverage. (Policy #9907-71-53) Disclosure: This brochure includes a brief description of the Accidental Death & Dismemberment insurance for Freedom Spirit members of the Med-Sense Guaranteed Association. The exact provisions are contained in the Group Policy issued to the Med-Sense Guaranteed Association. The Group Policy shall control in the event of any conflict between the Policy and this brochure. AD&D insurance is Underwritten by FEDERAL INSURANCE COMPANY, a member insurer of the Chubb Group of Insurance Companies. The coverage described in this literature may not be available in all jurisdictions. This literature is descriptive only. Actual coverage is subject to the language of the policy as issued (Policy #9907-71-53). Exclusions apply. Chubb, Box 1615, Warren, NJ 07061-1615.

Underwritten by:

Legal Disclaimer: This web site provides a brief description of the plan. You must be 18 years old to apply. The policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in policy form number STMP 5000. If there are any conflicts between this document and the Policy, the Policy shall govern. The 1st Med Short-Term Medical is not available in all U.S states or any other countries outside the U.S and coverage and benefits may vary by state as well. If you have any questions about the content at this website please contact Health Insurance Innovations at 1-877-376-5831

About the Association

The Med-Sense Guaranteed Association (MSGA) is a Not-For-Profit corporation. Members of the MSGA enjoy discounts on a variety of health and travel services. There are multiple memberships of the association; the following is a brief overview of the benefits offered though not all benefits are included in every membership of the association.

Once you become a member, you will receive a separate mailing from the association with complete details on how to access your membership benefits.

ID Resolution, a leader in providing identity management services, offers victims or suspected victims unlimited access to an assigned fraud specialist who will facilitate the resolution of virtually any identity-related problem. All inquiries are handled as care-managed and communications take place over secure and encrypted systems and processes.

The Identity Theft Service package includes:

Identity Fraud Resolution

Home & Auto Invasion Claims Enhancement

Lost or Stolen Document Response

Identity Travel Response

Medical Identity Theft

Surviving Spousal Services

Relocating Residence

Marriage and Divorce

Services for Deployed Military Personnel

Infant & Minor Identity Risk Mitigation

Social Media Program

LensCrafters Vision Club

Association members and their eligible family members receive special rates on the following:

Lenses ground to prescription specifications in about one hour.

More than ten times the frame selection of ordinary optical stores.

Complete satisfaction guaranteed!

Savings at all LensCrafters locations nationwide.

20% discount on all purchases at any LensCrafters.

Discount may be used by all family members, with unlimited usage!

Welcome to the privileges of LensCrafters Vision Club.

24 Hour Nurse Helpline Plan

The 24-Hour Nurse Helpline is designed to help members become more informed about their healthcare. The Nurse Helpline is a 24/7 confidential telephone service that allows members to ask questions and receive information about their health, illnesses and medications. There is no cost to use the Helpline.

Members have unlimited access to registered nurses via a toll-free number 24 hours a day, 365 days a year. These nurses are specially trained to offer prompt, confidential medical counseling to help members make informed decisions about their health and the medical care they receive. However, our nurses do not diagnose or provide treatment.

The services include:

Confidential availability to registered nurses 24 hours a day

Explanations on what to expect during a medical test.

Help from a registered nurse who can answer questions regarding:

Diagnostic and surgical procedures

A recently diagnosed medical condition

Prescription and over the counter medication information

Gateway Medicard

In an emergency, getting vital health information to medical personnel quickly could be critical. When association members send in the completed Gateway Medicard Data Form, it is reduced in size and printed on a durable plastic card. It is easy to read with a standard magnifying glass routinely carried by medical professionals. The Gateway Medicard keeps the personal medical profile available so emergency medical personnel can administer appropriate care.

Discount Hearing Service

Association Hearing Services is a nationwide plan that offers its member's premium, name brand hearing aids at huge savings on a no-risk, 100% satisfaction-guaranteed basis. The professional, licensed staff is happy to discuss hearing needs and provide recommendations for the best solution to hearing problems.

If you already have results from a hearing test, you can e-mail, fax, or send the information to the Hearing Service.

The hearing instruments offered through this mail-order plan typically save a member between 50%-60% off the prices of most local audiology clinics or dispensing offices. Association Hearing Services has over 45 years of experience and hundreds of thousands satisfied clients.

Travel Association Plan

Association members receive the following services through the Travel Assistance Program when traveling more than one hundred (100) miles from your permanent residence:

Emergency Evacuation /Repatriation

Transportation of Mortal Remains

Transportation of Escort

Family Visitation

Minor Children Return/Escort

Vehicle Return

24-Hour Information Service

Medical Monitoring

Medical Referral

Guarantee of Medical Expense

Insurance Coordination

Lost Documentation Service

Legal Assistance

Emergency Delivery of Prescription Items

Emergency Cash Transfer and Advances

This is NOT insurance and NOT available to Connecticut and Florida residents.

Hewlett-Packard Computer and Digital Equipment

Hewlett-Packard, a worldwide leader in computers and other digital hardware, has the right solution for your business or home office. Association members receive discounts on HP notebooks, laptops, desktops, servers, printers, digital cameras, handhelds, point-of-sale (scanners, cash registers, etc.) and more.

Discount levels vary based on product-generally from 3%-10% off. Monthly promotions are available such as free shipping on discounted printing supplies, rebates and other value-added member benefits.

Customized Web Services - NAC Web Services

NAC Web Services provides the advantage of Website development and maintenance. NAC Web Services boasts an experienced staff of programmers and graphic designers ready to work for you. All of the latest programming capabilities including HTML, ASP.NET, Flash, XML, and database connectivity are available to association members. Our designs are crisp, clean, creative and custom-built to your Website specifications. We can also host your Website with our own AxisConnect web hosting service.

With an Internet Website by NAC Web Services, your company can enjoy limitless growth potential which is virtually limitless! Members receive a 20% discount on the following services: Custom Web Design; Evaluation and Re-Design of Current Sites; Website Hosting; Consulting on Viability of Internet Projects; and Internet Marketing.

UPS Express Delivery Services

Association members receive the following discounts:

14%-28% off Next Day Air®/Next Day Air® Saver Letter/Package and Worldwide ExpressSM Export/Worldwide SaverSM Export Letter/Document/Package

Your employees can take advantage of this program too! Mobile Broadband discounts for new Business Accounts only. Get 3G or 3G/4G Speeds - Sprint 3G/4G Data solution plans for connections cards - only $42.99/mo(28% off the typical price of $59.99); Multiple broadband cards available including mobile hot spot devices: Overdrive and Mi-Fi (connect up to 5 computers to one device!); 3G and 4G speeds where available; GPS Navigation enabled; Web browsing capable; Email capable; Memory card slot

Office Depot Office Supplies and Furniture

Association members can get office supplies and services at discounts up to 80%.

24 Hour Emergency Roadside Assistance

Association members can gain peace of mind on the road by registering for Emergency Roadside Assistance. Once registered, you will receive emergency roadside assistance membership materials including membership cards that will enable you and your family to get assistance from a participating service provider whenever car troubles arise. You will be covered for the first $50 per occurrence for each covered emergency expense, including towing, flat tire assistance, battery service and lock-out service.

Hop The Shops

Through a special arrangement with eGroupManager, Association members have preferred customer access to HopTheShops.com, a premium on-line shopping mall. HopTheShops.com includes more than 150 stores. Find high quality items at low prices for the best deals in America. Each vendor in the mall has been scrutinized carefully. HopTheShops.com offers the best value on quality items coupled with excellent customer service.

Here is a list of the categories:

Sporting Goods

Learning Tools & Education

Savings & Coupons

Travel

Health & Beauty Products

Music & Entertainment

Cards & Gifts

Books

Art

Automobiles

Home & Garden

Computers & Electronics

Toys

Fashion

Office Equipment & Services

Pet Supplies

Wine, Liquor & Cigars

Food

Whether you are looking for a laptop or a new car, you can comparison shop and actually view the items before buying. All of the vendors offer secure sites, prompt delivery service, and full customer satisfaction guarantees.

Preferred Member Program

By signing up with HopTheShops.com, you will receive access to special features that are for members only. HopTheShops.com will provide you with a "Members Only" newsletter, as well as special offers and discounts from their vendors (beyond the discounts already offered).

Why Prices Are Lower Online?

Internet merchants do not have the costs of maintaining a brick and mortar storefront. They also sell in large volume. This large volume, coupled with the lower overhead, results in savings for you.

My Association Saving Benefits Perks Program

My Association Saving Benefits provides members with exclusive perks and over $4,500 in savings on everything from pizza and the zoo, to movie tickets, oil changes, hotels, and car rentals!

1800Flowers.com

As an association member, you can save 15% when you order flowers and/or gifts from 1800Flowers.com, one of America´s top providers of floral and specialty gifts.

You will enjoy top-quality customer service with same-day delivery on many items. 1800Flowers.com and its gourmet food brand, 1800baskets.com, offers a wide range of gifts: flowers, plants, plush toys, and balloons, plus gourmet food, gift baskets, cookies, brownies, popcorn, fruit, wine and spa products. Whether for Get Well, New Baby, Just Because or Bereavement, 1800flowers.com has the right gift for the right occasion.

Many people dislike shopping for automobiles because they dread the anticipated hassle and the possibility of overpaying for a car. This program allows association members to benefit from a National Corporate Pricing Program that solves these issues. Carperks is currently offered as a "free perk" to employees of Coca-Cola, Verizon Wireless, American Airlines, Office Depot and several hundred other companies, and now, to Med-Sense Guaranteed Association members.

The Carperks dealer network has agreed to sell automobiles for a price better than their best Internet price, resulting in a price hundreds of dollars lower than the sales price of the retail sales department.

Car Rental Discounts

Association members take advantage of affordable auto rental rates from Avis®, Budget® and Dollar® Rent A Car.
Using this Service is Easy!

GymAmerica.com

Association members and family receive special pricing at GymAmerica.com, the all-in-one interactive toolkit for the personalized diet and exercise program made to fit just one person: you. GymAmerica.com features Genesant's state-of-the-art nutritionist and personal trainer software, honored by Forbes magazine with its "Best of the Web" award.

GymAmerica.com features:

Personalized meal plans tailored to your needs and goals

Interactive program that uses your entered results to keep your diet on track

Smart weekly grocery shopping lists

Convenient at-a-glance calorie, fat, carb, and protein totals

Customized workouts to match your fitness level

Access-Anywhere online workout calendar and log

Use the Web's best interactive exercise and diet program to get your body in shape! Members receive the promotional discount price, three months for the price of two.

Vitamin Discount

HealthFitLabs is an online/mail order company that sells only the highest-quality natural vitamins, nutritional supplements, and bath and personal care products. Association members enjoy up to a 15% discount off online prices that are already reduced 5%-35% and up to 30% catalogue prices.

ADP Payroll Processing Service

Give your business the ADP advantage today

25% discount on processing costs*

FREE month of payroll processing services

Waived one-time setup fee

*Minimum 25% off for NEW customers & up to 25% off for EXISTING customers
Example: if the current discount is set at 15% then ADP will increase the discount by 10% bringing the account to a 25% total discount.

Industry-Leading Payroll Processing
ADP helps you focus on what you do best - running your businesses. ADP helps thousands of clients every day by processing payroll, calculating, depositing, and filing payroll tax documents.

Save Time and Money
ADP combines technology and process to reduce the amount of time you spend incorporating your payroll tax data. Submit payroll by:

You can rely on ADP®, a company with 60 years of expertise that pays 1 in 6 U.S. employees. Designed to be simple, straightforward and intuitive, ADP's powerful Web-based payroll application for small businesses make it simple to run your payroll anywhere, anytime, and from any Internet connection.

**TotalSource customers are not eligible for the 25% discount.

Constant Contact

Your customers check their inbox all day, every day. You're sure to reach them when you work with Constant Contact. Build relationships, drive revenue, and deliver real results for your business.

Try Constant Contact FREE for the next 60 days!
Your free 60-day trial lets you explore the features and benefits of our Email Marketing or Online Survey tools. There's no software to download. No risk. No obligation. No credit card required.

* Free standard ground freight; other charges apply for other freight services such as expedited delivery, sourced products, export orders, shipments outside the contiguous U.S., or other special handling by the carrier.

Benefits of Grainger

99% of all orders received by 4pm deliver the following day

24/7 Emergency Service

One stop sourcing program for all your MRO Parts and Supplies

420 local branches

Dedicated team of Local Brand Managers and Specialists for all your questions and requirements

Grainger also offers additional resources such as energy-savings and sustainability programs, inventory management, a comprehensive safety program and a website that helps make one-stop shopping and ordering fast and easy.

Do you purchase specific items in bulk or high quality? Do you have a most frequently purchased item list?

Get the most out of your Grainger account by consolidating your needs and purchases through Grainger. Provide us with a list of your most common purchases and we'll work with you to further customize our pricing.

Magazine Discounts

You can save up to 85% off regular subscription rates on popular titles through these magazine subscription discount services. In additional to these great discounts, some services offer rebates of up to 35% off the purchase price.

Magazines.com, Inc Offers the very best in selection, price, and service by holding direct publisher authorizations for every magazine title we offer.

Moving Services

The Association has a special agreement with Cord North American, an agent for North American Van Lines, that applies to relocation services for all Association members. This agreement provides a substantial discount for our members. Cord North American was selected to provide this relocation service to members because of their ability to offer reduced costs while still providing the highest level of service and customer satisfaction.

Through North American Van Lines, the association has access to the certified Home-To-Home Handling program and a single contact source. This means that throughout your moving process, you will have just one contact person. The Home-To-Home Process includes professional packing, loading, and transportation by North American's top drivers, as well as unloading, and unpacking. Each relocation can be itemized to help with your needs, wants and/or budget. Cord North American is proud to present relocation discounts, features and benefits designed for association members.

Other services that are available: Office Moving, Record Retention, Logistics, Warehousing, Distribution, and International Services. Estimates/Quotes are free of charge.

TravelerBonus.com

TravelerBonus is a travel club tailored for our members to offer both the regular savings you would find using familiar online search engines but with added bonus of a rebate once you've finished your vacation.

Terms and Conditions for Med-Sense Guaranteed Association Membership

This program of services is provided through membership in Med-Sense Guaranteed Association (MSGA). Service providers associated with this program are solely responsible for the professional advice and service rendered to members, and MSGA, disclaims liability with respect to such matters.

At any time, a participating professional may be eliminated from the program. Providers are subject to change without notice and programs may vary in some states. The discounts are NOT insurance and may be discontinued or modified at any time.

Most of the companies providing the services and discounts in this program are not licensed insurers, health maintenance organization, or other underwriters of health care services. (The exceptions are the insurance carriers that provide the Accident Medical, Accidental Death & Dismemberment, Accident Disability Income, Critical Illness, Term Life Insurance, Hospital Indemnity, Limited Medical Benefits, Limited Benefit Health Insurance, Short-Term Medical, and, if selected, Dental Indemnity benefit and/or Insured Prescription Drug program.) No portion of any provider's fees will be reimbursed or otherwise paid.

The discounts contained herein may not be used in conjunction with any other discount plan or program. All listed or quoted prices or discounts are current at time of printing this material, and are subject to change without notice.

Savings are based on the provider's usual and customary fees. Actual savings will vary depending on location and specific services or products purchased.

Discounts on professional services are not available where prohibited by law. This program does not warrant professional services, nor is it responsible for the quality of service received. This program makes no warranties, express or implied concerning services provided.

The member shall receive a full refund of membership fees, if membership is canceled within the first 10 days. The program is not available in all states.

Membership fees are to be paid when due. If the fees are not received, the member has 31 days from the date due to pay their membership fees; or the membership and any benefits provided will terminate.

This plan is not an insurance policy and is not protected by any state Life and Health Guaranty Association.

The member is responsible and agrees to pay any taxes that may be required by law as a result of membership.

The laws of the State of Missouri shall govern the interpretation, construction and enforcement of this entire plan.

Any dispute arising from, out of, or relating to this plan, including but not limited to those disputes regarding or relating to the plan or, Med-Sense Guaranteed Association, shall be resolved by binding, non-appealable arbitration. These provisions shall survive termination of this plan and the member's membership in the plan.

Any cause of action the member may have with respect to the plan must be commenced within one (1) year after the claim or cause of action arises.

Complaint Procedure: Any complaint regarding the plan or membership should be directed to Member Services at the toll-free number on the ID card or in writing to the address set forth herein.

From time to time, certain providers may offer products or services to the general public at prices lower than the discounted prices available through this plan. Discounts on professional services are not available where prohibited by law. Providers are subject to change without notice and services may vary in some states. It is the member's responsibility to verify that the provider is a participant in the plan. No guarantee can be given in regard to the continued participation of any provider. Providers are solely responsible for the professional advices and service rendered to members and liability with respect to such matters is disclaimed.

Each member and on behalf of all covered family dependents who are in the plan hereby forever releases, acquits and discharges the plan, Med-Sense Guaranteed Association, and its employees, officers, directors, agents and affiliates from any and all liabilities, claims demands, actions and causes of action that such member or covered family member may have by reason of any damage or personal injury sustained as a result of or during the course of the use of any service under the plan. The sole course available to a member or the member's covered family dependents is cancellation of the membership.

The member agrees to defend, indemnify, and hold harmless the plan and from any and all liabilities, cost, and expenses, including without limitation attorneys' fees and costs, related to or arising from any unauthorized use of member's plan; any violation of the plan by the member or those who access member's plan; or the use of the plan by the member or by those who access member's plan in a manner contrary to any law or regulation or harmful in any way to the plan or any of its affiliates.

The plan may only be used in the United States of America.

Med-Sense Guaranteed Association has the right to refuse membership to any person for any just or legal cause.

The member consents to receive electronically all notices, communications and other documents of any kind from Med-Sense Guaranteed Association. You have the right to withdraw consent to such electronic transmittals; however, such withdrawal does not retroactively withdraw consent to actions occurring prior to such withdrawal.

Med-Sense Guaranteed Association

2221 South Webster Ave., Suite 109, Green Bay, WI 34301

1-920-347-4400

Disclosures: This website is a brief description of the Med-Sense Guaranteed Association discount and lifestyle benefits. There are multiple memberships of the association and not all benefits and services are available to all membership levels. The exact provisions are contained in the Fulfillment Materials that will be issued to the Med-Sense Guaranteed Association members upon enrollment.

These are not insurance benefits. These are association discount and lifestyle benefits and are not affiliated with any of the insurance companies or Accident Medical, Accidental Death & Dismemberment, Accident Disability Income, Critical Illness, Term Life Insurance, Hospital Indemnity, Limited Medical Benefits, Limited Benefit Health Insurance, Short-Term Medical, and, if selected, Dental Indemnity benefit and/or Insured Prescription Drug program.

Brought to you by:
Health Insurance Innovations

&COPY; 2017 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are trademarks of Teladoc, Inc. and may not be used without written permission.
Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states.
Teladoc does not prescribe DEA-controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care
for potential misuse of services.

0914 10E-103A

Karis360

Rx-Card

1st Med Short-Term Medical
Includes the following non-insurance discounts and benefits at no additional cost!

ScripPal Discount Prescription Discount Card: *

Medications cost too much. And if you or a family member have asthma, diabetes, heart disease or another illness, costs can quickly skyrocket and make it hard to make ends meet. We believe that peace of mind shouldn't cost an arm and a leg. Save an average of 46%, with potential savings of up to 75%**. This card can be used for your entire family, including pets.

Save at more than 60,000 pharmacies nationwide, including Walmart, Target, Walgreens and more. Discounts are at the register. Because this is not insurance, there are no forms to fill and there is no wondering or waiting for reimbursements.

Please click here to access information on available drugs and pharmacies

*Important Disclaimer: These are not insurance benefits. These are discount services and are not affiliated with
Companion Life Insurance Company or the
1st Med Short-Term Medical Plan.

**ScripPal Discount Rx Disclaimer: DISCOUNT ONLY - NOT INSURANCE. Discounts are available exclusively through participating pharmacies and providers. The range of the discounts will vary depending on the type of provider and services rendered. This program does not make payments directly to providers. Members are required to pay for all health care services. You may cancel your registration at any time or file a complaint by contacting Customer Care. This program is administered by Medical Security Card Company, LLC of Tucson, AZ. Based on 2013 national program savings data.

Important Notice: Chiro and Podiatry Plus is not insurance, nor it is affiliated with our insurance companies or our insurance products.

THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. This plan does not meet the minimum creditable coverage requirements under M.G.L. c.111M and 956 CMR 5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. This is not a Medicare prescription drug plan. The range of discounts will vary depending on the type of provider and service. The plan does not pay providers directly. Plan members must pay for all services but will receive a discount from participating providers. The list of participating providers is at hiiquotecustomers.com. A written list of participating providers is available upon request. You may cancel within the first 30 days after receipt of membership materials and receive a full refund, less a nominal processing fee (nominal fee for MD residents is $5, AR and TN residents will be refunded processing fee). Discount Medical Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.

This plan is not available in Vermont or Washington.

TERMS & CONDITIONS

Renewal Conditions: By joining a plan, you are authorizing Health Insurance Innovations bill your credit card or checking account for the plan you have selected. This charge shall remain in force until you notify Health Insurance Innovations of request to cancel. By joining, you indicate you have read the terms and conditions of the plan. This plan will automatically renew at the end of your membership term on a monthly basis, and your credit card or bank account will be automatically charged or drafted for the appropriate amount.

Termination Conditions:Health Insurance Innovations and Careington International Corporation (Careington) reserves the right to terminate plan members from its plan for any reason, including non-payment.

Cancellation Conditions: You have the right to cancel within the first 30 days after receipt of membership materials and receive a full refund, less the processing fee, if applicable. FL Residents: You have the right to cancel within 30 days after the effective date. If for any reason during this time period you are dissatisfied with the plan and wish to cancel and obtain a refund, you must submit a written cancellation request. Health Insurance Innovations Will accept and cancel plan memberships at any time during the membership period and will cease collecting membership fees in a reasonable amount of time, but no later than 30 days after receiving a cancellation notice. Please send a cancellation letter and a request for refund with your name and member number to Health Insurance Innovations or fax to: 877-376-5832. You may also submit cancellation by email: support@hiiquote.com. If is billing you quarterly, semi-annually or annually, Health Insurance Innovations will, in the event of cancellation of the membership by either party, make a pro-rata reimbursement of the periodic charges to the member.

Description of Services: Please see the enclosed materials for a specific description of the programs that you have purchased.

Limitations, Exclusions & Exceptions: This program is a discount membership program offered by Careington. Careington is not a licensed insurer, health maintenance organization, or other underwriter of health care services. No portion of any provider's fees will be reimbursed or otherwise paid by Careington. Careington is not licensed to provide and does not provide medical services or items to individuals. You will receive discounts for medical services at certain health care providers who have contracted with the plan. You are obligated to pay for all health care services at the time of your appointment. Savings are based upon the provider's normal fees. Actual savings will vary depending upon location and specific services or products purchased. Please verify such services with each individual provider. The discounts contained herein may not be used in conjunction with any other discount plan or program. All listed or quoted prices are current prices by participating providers and subject to change without notice. Any procedures performed by a non-participating provider are not discounted. From time to time, certain providers may offer products or services to the general public at prices lower than the discounted prices available through this program. In such event, members will be charged the lowest price. Discounts on professional services are not available where prohibited by law. This plan does not discount all procedures. Providers are subject to change without notice and services may vary in some states. It is the member's responsibility to verify that the provider is a participant in the plan. At any time Careington may substitute a provider network at its sole discretion. Careington cannot guarantee the continued participation of any provider. If the provider leaves the plan, you will need to select another provider. Providers contracted by Careington are solely responsible for the professional advice and treatment rendered to members and Careington disclaims any liability with respect to such matters.

Complaint Procedure: If you would like to file a complaint or grievance regarding your plan membership, you must submit your grievance in writing to: Careington International Corporation, P.O. Box 2568, Frisco, TX 75034. You have the right to request an appeal if you are dissatisfied with the complaint resolution. After completing the complaint resolution process and you remain dissatisfied, you may contact your state insurance department.

Limitations & Exclusions

Charges for the following treatments and/or services and/or supplies and/or conditions are excluded from coverage:

Pre-existing Conditions:

Charges resulting directly or indirectly from a condition for which a Covered Person received medical treatment, diagnosis, care or advice within the sixty-month period immediately preceding such person's Effective Date are excluded for the first 12 months of coverage hereunder.

Pre-existing conditions includes conditions that produced any symptoms which would have caused a reasonable person to seek diagnosis, care or treatment within the sixty-month period immediately prior to the coverage effective date.

This exclusion does not apply to a newborn or newly adopted child who is added to coverage under this certificate in accordance with PART II – ELIGIBILITY AND EFFECTIVE DATE OF INSURANCE.

Waiting Period:

Covered Persons will only be entitled to receive benefits for Sicknesses that begin, by occurrence of symptoms and/or receipt of treatment, at least 5 days following the Covered Person's Effective Date of coverage under the policy.

Covered Persons will only be entitled to receive benefits for Cancer that begins, by occurrence of symptoms or receipt of treatment at least 30 days following the Covered Person's Effective Date of coverage under the policy.

Outpatient Prescription Drugs, medications, vitamins, and mineral or food supplements including pre-natal vitamins, or any over-the-counter medicines, whether or not ordered by a Doctor.

Charges which are not incurred by a Covered Person during his/her Coverage Period.

Treatment, services or supplies which are not administered by or under the supervision of a Doctor.

Treatment, services or supplies which are not Medically Necessary as defined.

Treatment, services or supplies provided at no cost to the Covered Person.

Charges which exceed Usual and Customary charge as defined.

Telephone consultations or failure to keep a scheduled appointment.

Consultations and/or treatment provided over the Internet.

Surgeries, treatments, services or supplies which are deemed to be Experimental Treatment.

All charges Incurred while confined primarily to receive Custodial or Convalescence Care.

Weight modification or surgical treatment of obesity, including wiring of the teeth and all forms of intestinal bypass surgery.

Modifications of the physical body in order to improve the psychological, mental or emotional well-being of the Covered Person, such as sex-change surgery.

Surgeries, treatments, services or supplies for cosmetic or aesthetic reasons, except for reconstructive surgery which is expressly covered under this certificate.

Any drug, treatment or procedure that either promotes or prevents conception including but not limited to: artificial insemination, treatment for infertility or impotency, sterilization or reversal of sterilization.

Any drug, treatment or procedure that either promotes, enhances or corrects impotency or sexual dysfunction.

Abortions, except in connection with covered Complications of Pregnancy or if the life of the expectant mother would be at risk.

Dental treatment, except for dental treatment that is expressly covered under this certificate.

Eyeglasses, contact lenses, hearing aids, hearing implants, eye refraction, visual therapy, and any examination or fitting related to these devices, and all vision and hearing tests and examinations.

Eye surgery, such as radial keratotomy, when the primary purpose is to correct nearsightedness, farsightedness or astigmatism.

Treatment for cataracts.

Treatment of the temporomandibular joint.

Injuries resulting from participation in any form of skydiving, scuba diving, auto racing, bungee jumping, hang or ultra light gliding, parasailing, sail planning, flying in an aircraft (other than as a passenger on a commercial airline), rodeo contests or as a result of participating in any professional, semi-professional or other non-recreational sports including boating, motorcycling, skiing, riding all-terrain vehicles or dirt-bikes, snowmobiling or go-carting.

Injuries or Sicknesses resulting from participation in interscholastic, intercollegiate or organized competitive sports.

Injury resulting from being under the influence of or due wholly or partly to the effects of alcohol or drugs, other than drugs taken in accordance with treatment prescribed by a Doctor, but not for the treatment of Substance Abuse.

Willfully self-inflicted Injury or Sickness.

Venereal disease, including all sexually transmitted diseases and conditions.

Immunizations and Routine Physical Exams.

Services received for any condition caused by a Covered Person's commission of or attempt to commit a felony or to which a contributing cause was the Covered Person being engaged in an illegal occupation.

Any services performed or supplies provided by a member of the Insured's Immediate Family.

Orthoptics and visual eye training.

Services or supplies which are not included as Eligible Expenses as described herein.

Care, treatment or supplies for the feet: orthopedic shoes, orthopedic prescription devices to be attached to or placed in shoes, treatment of weak, strained, flat, unstable or unbalanced feet, metatarsalgia or bunions, and treatment of corns, calluses or toenails.

Care and treatment for hair loss including wigs, hair transplants or any drug that promises hair growth, whether or not prescribed by a Doctor.

Treatment of sleep disorders.

Hypnotherapy when used to treat conditions that are not recognized as Mental or Nervous Disorders by the American Psychiatric Association, and biofeedback, and non-medical self-care or self-help programs.

Any services or supplies in connection with cigarette smoking cessation.

Exercise programs, whether or not prescribed or recommended by a Doctor.

Treatment required as a result of complications or consequences of a treatment or condition not covered under this certificate.

Charges for travel or accommodations, except as expressly provided for local ambulance.

Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s).

Services received or supplies purchased outside the United States, its territories or possessions, or Canada.

Treatment for or related to any congenital condition, except as it relates to a newborn or adopted child added as a Covered Person to this certificate.

Spinal manipulation or adjustment.

Sclerotherapy for veins of the extremities.

Expenses during the first 6 months after the Effective Date of coverage for a Covered Person for the following (subject to all other coverage provisions, including but not limited to the Pre-existing Condition exclusion):
a. Total or partial hysterectomy, unless it is Medically Necessary due to a diagnosis of carcinoma;
b. Tonsillectomy; c. Adenoidectomy; d. Repair of deviated nasal septum or any type of surgery involving the sinus; e. Myringotomy; f. Tympanotomy; g. Herniorraphy; or h. Cholecystectomy.

Treatment or diagnosis of allergies, except for emergency treatment of allergic reactions.

Treatment, medication or hormones to stimulate growth, or treatment of learning disorders, disabilities, developmental delays or deficiencies, including therapy.

Kidney or end stage renal disease.

Joint replacement or other treatment of joints, spine, bones or connective tissue including tendons, ligaments and cartilage, unless related to a covered Injury.

Expenses resulting from a declared or undeclared war, or from voluntary participation in a riot or insurrection.

Expenses incurred by a Covered Person while on active duty in the armed forces. Upon written notice to Us of entry into such active duty, the unused premium will be returned to the Covered Person on a pro-rated basis.

Underwritten by:

Legal Disclaimer: This web site provides a brief description of the plan. You must be 18 years old to apply. The policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in policy form number STMP 5000. If there are any conflicts between this document and the Policy, the Policy shall govern. The 1st Med Short-Term Medical is not available in all U.S states or any other countries outside the U.S and coverage and benefits may vary by state as well. If you have any questions about the content at this website please contact us at 1-877-376-5831 or email newsales@hiiquote.com

Definitions

Accident means a sudden, unforeseeable event that causes injury to one or more Covered Persons.Complications of Pregnancy means:

a) conditions requiring Inpatient treatment (when pregnancy is not terminated);b) whose diagnoses are distinct from pregnancy but are adversely affected or caused by pregnancy, such as hyperemesis gravidarum, preeclampsia, acute nephritis, nephrosis, cardiac decompensation, missed abortion and similar medical and surgical conditions of comparable severity, but shall not include false labor, occasional spotting, Doctor prescribed rest during the period of pregnancy, morning Sickness, and other similar conditions associated with the management of a difficult pregnancy not constituting a nosologically distinct complication of pregnancy; andc) non-scheduled or emergency cesarean section, ectopic pregnancy that is terminated, and spontaneous termination of pregnancy that occurs during a period of gestation in which a viable birth is not possible.

Congenital Condition means a disease or other anomaly existing at or before birth, whether acquired during development or by heredity.

Coverage Period means the length of time which the Insured selected in the Insured's application and approved by us, not to exceed a [six (6)/twelve (12)] month period commencing on the Effective Date. The Insured's Coverage Period is shown in the Schedule of Benefits.

Covered Person means an Insured and his eligible dependents for whom coverage is in effect under the policy, as described in Part II – Eligibility and Effective Date of Insurance Provisions and the Schedule of Benefits.

Custodial or Convalescence Care means any care that is provided to a Covered Person who is disabled and needs help to support the essential activities of daily living when the Covered Person is not under active and specific medical, surgical, or psychiatric treatment that will reduce the disability to the extent necessary for the person to perform the essentials of daily living on his own.

Deductible means the amount of covered expenses that must be paid by a Covered Person before benefits are payable under the policy. This amount applies separately to each Covered Person and must be satisfied each Coverage Period.

Doctor means any duly licensed practitioner who is recognized by the law of the state in which treatment is received as qualified to perform the service for which claim is made.

Eligible Dependent means:

the Insured's lawful spouse; and

the Insured's unmarried children who are less than age 19. An unmarried child who is less than age 25 may also be included if the child is enrolled full-time in an accredited school or college

Dependent children may include stepchildren, foster children, legally adopted children, children of adopting parents pending finalization of adoption procedures, and children for whom coverage has been court-ordered.

Dependent children (other than those for whom coverage has been court-ordered) must be primarily dependent on the Insured for principal support and maintenance.

Coverage for an unmarried dependent who is incapable of self-sustaining employment by reason of mental retardation or physical handicap, who became so incapacitated prior to the attainment of age 19, and who is chiefly dependent upon the policyholder for support and maintenance shall not terminate, but coverage shall continue so long as the contract remains in force and the dependent remains in such condition. Proof of such incapacity and dependency shall be furnished to Companion Life Insurance Company by the Insured within 31 days of the child's attainment of the limiting age and subsequently as we may require but not more frequently than annually after the two-year period following the child's attainment of the limiting age.

Durable Medical Equipment means medical equipment that can withstand repeated use, is prescribed by a Physician, and is appropriate for use in the home. Covered DME is limited to a standard basic Hospital bed and/or a standard basic wheel chair.

Effective Date means the date the Insured's (and Eligible Dependents' if applicable) coverage under the policy is effective.

Experimental Treatment means in Our discretion a treatment, drug, device, procedure, supply or service and related services (or any portion thereof, including the form, administration or dosage) for a particular diagnosis or condition when any one of the following exists:

the treatment, drug, device, procedure, supply or service is in any clinical trial or a Phase I, II or III trial.

the treatment, drug, device, procedure, supply or service is not yet fully approved or recognized (for other than experimental, investigational, research or clinical trial purposes) by the National Cancer Institute (NCI), Food & Drug Administration (FDA), or other pertinent governmental agency or professional organization

the results are not proven through controlled clinical trials with results published in peer-reviewed English language medical journals, to be of greater safety and efficacy than conventional treatment, in both the short and long term.

the treatment, drug, device, procedure, supply or service is not generally accepted medical practice in the state where the Covered Person resides or as generally accepted throughout the United States as determined in Our discretion, by reference to any one or more of the following: peer-reviewed English-language medical literature, consultation with physicians, authoritative medical compendia, the American Medical Association, or other pertinent professional organization or governmental agency.

the treatment, drug, device, procedure, supply or service is described as investigational, experimental, a study, or for research or the like in any consent, release or authorization which the Covered Person, or someone acting on his or her behalf, may be required to sign.

The fact that a procedure, service, supply, treatment, drug, or device may be the only hope for survival will not change the fact that it is otherwise experimental in nature.

Extended Care Facility means an institution, other than a Hospital, operated and licensed pursuant to law, that provides: a) permanent and full-time facilities for the continuous skilled nursing care of three (3) or more sick or injured persons on an Inpatient basis during the convalescent stage of their illnesses or injuries; b) full-time supervision of a Doctor; c) twenty-four (24) hour a day nursing service of one or more Nurses; and d) is not, other than incidentally, a rest home or a home for custodial care or for the aged. Extended Care Facility does not include an institution that primarily engages in the care and treatment of drug addiction or alcoholism.

Home Health Care Agency means an entity licensed by state or local law operated primarily to provide skilled nursing care and therapeutic services in an individual's home and:

which maintains clinical records on each patient;

whose services are under the supervision of a Doctor or a licensed graduate registered nurse (RN); and

which maintains operational policies established by a professional group including at least one Doctor and one licensed graduate registered nurse (RN).

Home Health Care Plan means a program for continued care and treatment of an individual established and approved in writing by the individual's attending Doctor. As part of the plan, an attending Doctor must certify that proper treatment of the Injury or Sickness would require continued confinement in a Hospital in the absence of the services and supplies

Hospital means an institution operated by law for the care and treatment of injured or sick persons; has organized facilities for diagnosis and surgery or has a contract with another hospital for these services; and has 24-hour nursing service. Hospital excludes any institution that is primarily a rest home, nursing home, convalescent home, a home for the aged, an alcoholism or drug addiction treatment facility, or a facility for treatment of mental disorders.

Immediate Family means the parents, spouse, children, or siblings of a Covered Person, or any person residing with a Covered Person.

Injury means accidental bodily Injury of a Covered Person:

caused by an Accident; and

that results in covered loss directly and independently of all other causes.

All Injuries sustained in one Accident, including all related conditions and recurring symptoms of the Injuries, will be considered one injury.

Inpatient means a person who incurs medical expenses for at least one day's room and board from a Hospital.

Insured means a person who meets the eligibility requirements for an Insured as stated in the Master Application and the policy, and whose coverage under the policy has become effective and has not terminated.

Medically Necessary means the care, service or supply is:

prescribed by a Doctor for the diagnosis or treatment of an Injury or Sickness; and

appropriate, according to conventional medical practice for the Injury or Sickness in the locality in which the care, service or supply, is given.

Mental and Nervous Disorder means a biologically-based mental disorder, including Schizophrenia, Schizoaffective disorder, Major depressive disorder, Bipolar disorder, Paranoia and other psychotic disorders, Obsessive-compulsive disorder, Panic disorder, Delirium and dementia, Affective disorders, and any other "biologically-based" mental disorders appearing in the most recent edition of the Diagnostic and Statistical Manual of the American Psychiatric Association (the "DSM").

Outpatient means a person who incurs medical expenses at Doctor's offices and freestanding clinics, and at Hospitals when not admitted as an Inpatient.

Regular and Customary Activities means an Insured Person can carry on a substantial part of the standard and commonly practiced activities of a person in good health of the same sex and age. Activities performed while confined in a Hospital or other medical institution may not be used to meet this requirement.

Routine Physical Exam means examination of the physical body by a Doctor for preventive or informative purposes only, and not for the diagnosis or treatment of any condition.

Sickness means Sickness or disease of a Covered Person that:

is treated by a Doctor while the person is covered under the policy; and

results directly and independently of all other causes in loss covered by the policy.

Substance Abuse means the overindulgence in and dependence on a psychoactive leading to effects that are detrimental to the individual's physical health or mental health, or the welfare of others.

Surgery or Surgical Procedure means an invasive diagnostic procedure; or the treatment of Injury or Sickness by manual or instrumental operations performed by a Doctor while the patient is under general or local anesthesia.

Total Disability (or Totally Disabled) means the Insured is disabled and prevented from performing the material and substantial duties of his or her occupation. For Dependents, Totally Disabled means the inability to perform a majority of the normal activities of a person of like age in good health.

Urgent Care Center means a medical facility separate from a hospital emergency department where ambulatory patients can be treated on a walk-in basis without an appointment and receive immediate, non-routine urgent care for an Injury or Sickness presented on an episodic basis.

Usual and Customary charges means the following: (1) a usual fee is defined as the charge made for a given service by a Doctor to the majority of his or her patients; and (2) a customary fee is one that is charged by the majority of Doctors within a community for the same services. All benefits are limited to Usual and Customary charges.

Underwritten by:

Legal Disclaimer: This web site provides a brief description of the plan. You must be 18 years old to apply. The policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in policy form number STMP 5000. If there are any conflicts between this document and the Policy, the Policy shall govern. The 1st Med Short-Term Medical is not available in all U.S states or any other countries outside the U.S and coverage and benefits may vary by state as well. If you have any questions about the content at this website please contact us at 1-877-376-5831 or email newsales@hiiquote.com

Privacy Policy

At HiiQuote.com (referred to herein as the "Website" or "HiiQuote.com") we are strongly committed to protecting your privacy and have established this Privacy Policy ("Privacy Policy") which details how we use and protect your information. The terms "you" and "your" when used in this Privacy Policy means any visitor to or user of the Website.

This Privacy Policy is intended to help you understand the online information security practices of Health Insurance Innovations, Inc. and its subsidiaries (together, "HII"). For additional details about the Website and the information provided on the Website, please review our Terms and Condition of Use LINK TO TERMS AND CONDITIONS OF USE

In viewing and using the Website, you understand that HII, as a developer and administrator of web-based individual and group health insurance plans and ancillary products, obtains certain information about you including non-personally identifiable information that is collected in aggregate (i.e., website use information), certain "personally identifiable information" about you that you provide as described herein ("Personally Identifiable Information"), and "protected health information", which is information about your health, medical history, or claims information that you provide to us ("Protected Health Information"). Personally Identifiable Information and non-personally identifiable information will be referred to as "Information" in this policy. You understand that HII may use Information about you, including your Personally Identifiable Information and Protected Health Information, subject to the terms of this Privacy Policy. This Information and Protected Health Information that may be collected includes Information and Protected Health Information we may receive from you in connection with on-line forms and applications for, among other things, insurance policies, insurance claims, insurance quotes, or other forms, information about your transactions with us and information we may have received from a consumer reporting agency.

All Information and Protected Health Information collected from this Website is subject to applicable privacy laws and regulations and will be handled as described in this Privacy Policy.

Your Consent

By using the Website and/or submitting Personally Identifiable Information and/or Protected Health Information through the Website, you consent and agree to (i) the terms of this Privacy Policy, (ii) to the collection and use of Information and Protected Health Information by HII pursuant to the terms of this Privacy Policy, and (iii) the HII Terms and Conditions of Use provided on the Website.

Protected Health Information. Because we are a business associate of certain health insurers and group health plans, we are subject to many of the privacy and security requirements of the Health Insurance Portability and Accountability Act of 1996 ("HIPAA"). HII protects your Protected Health Information as required by HIPAA and HII will not disclose Protected Health Information that you provide via the Website (e.g. information provided on an application or in connection with a policy or a claim) unless one or more of the following conditions are met:

We receive your prior written authorization. Answers to questions about your medical history and physical condition are required by our insurance carrier partners and will be released to the insurer so that they may underwrite your insurance application. HII will not give or sell such information about you to any other company, individual, or group without your prior authorization.

We verify that the prospective recipient is you or your authorized representative.

We are required by law to disclose the information.

The disclosure is permitted under HIPAA.

Information and Personally Identifiable Information. HII only uses Information, including Personally Identifiable Information, as allowed by law and as described herein. HII protects your Personally Identifiable Information by, for example:

not disclosing Personally Identifiable Information about you to anyone, except as permitted by law;

restricting access to your Personally Identifiable Information to authorized individuals who need to know this information in order to provide services and/or products to you;

not allowing employees to share your Personally Identifiable Information outside HII except as authorized by you or for a specific business purpose.

The law permits us to share certain Information with (i) our affiliates, (ii) non-affiliate insurance companies, group health plans and insurance service providers, and (iii) companies that perform marketing services for us (including, without limitation, licensed insurance agents and/or brokers). We will share such Information only as permitted by law, and this Information may or may not include Personally Identifiable Information and/or Protected Health Information, and may or may not be directly related to our transaction with you.

HII will use Information about you to help us better serve your insurance needs or to suggest HII services or insurance materials that may be of interest to you.

We may share your Information, which may or may not include Protected Health Information, as permitted by law, among insurance companies, including for routine business administration. As permitted by law, we may share Information, which may or may not include Protected Health Information, with non-affiliated companies such as firms that perform services on our behalf, including the administration and marketing of our products. We require these companies to meet strict privacy standards.

We may enter into alliances, partnerships or other business arrangements with third parties who may be given access to Personally Identifiable Information including your name, address, telephone number and e-mail for the purpose of providing you information regarding products and services that we think will be of interest to you.

In connection with alliances, partnerships or arrangements, we may also provide certain information to third parties if we have determined that the information will be used in a responsible manner by a responsible third party. We also use third parties to facilitate our business, including, but not limited to, sending e-mail and processing credit card payments. In connection with these offerings and business operations, our partners and other third parties may have access to your Personally Identifiable Information for use in connection with such business activities.

If you choose to send us an e-mail, we will do our best to respond to your request in a timely manner. We may use return e-mail addresses you provide to send e-mails and to answer the e-mail we receive. We may forward your request on to third parties in situations where we cannot answer your question, and may also respond to your e-mail with offers or correspondence which we believe may be relevant to you. If you choose to give us Personally Identifiable Information such as your zip code, e-mail, contact information, etc., we may share this information with third parties to help answer your questions or fulfill your request. We reserve the right to use such data provided to us for any legally permissible purpose. We may use our e-mail lists for sending newsletters and other HII outbound communications, such as product information.

We also reserve the right to use your Personally Identifiable Information to send you e-mails regarding system downtime and/or changes to this Privacy Policy or the Terms and Conditions of Use and you are not permitted to opt out of receiving these e-mail messages.

Our management team uses non-personally identifiable information to improve the user experience for all Website visitors. We may analyze site usage statistics to do things such as update our content, alter our navigation, or otherwise customize our site to better serve our visitors.

Though we will make every effort to preserve user privacy, we may need to disclose Personally Identifiable Information when required by law, or if we have a good-faith belief that the action is necessary to comply with a pending judicial proceeding, a court order or legal process served on HII or to protect our rights or the rights of others, to fight fraud, identity theft, to ensure the integrity and operation of our organization and systems, or to protect the rights, property or safety of HII, its employees, members or others.

You do not need to call, or do anything as a result of this Privacy Policy. It is meant to advise how we safeguard your Information,
including your Personally Identifiable Information and your Protected Health Information.

The Personally Identifiable Information and Protected Health Information you submit to us through the Website may be processed by us in the country where it was collected as well as other countries (including the United States) where laws regarding the processing of such information may be less stringent than the laws in your country.

Categories of Information That We Collect

Certain of the materials and information provided by HII on the Website is available without HII collecting any Personally Identifiable Information from you. However, HII does collect Personally Identifiable Information and/or Protected Health Information that you provide voluntarily during the course of using the Website.

In the normal course of business we may collect the following types of information:

information you provide on applications and other forms (including your name and address), which may include Personally Identifiable Information and/or Protected Health Information, including Information you might provide in connection with our Insurance Plan Cost Estimator Tool or in requesting a quote;

data about your transactions with us (such as types of products you have purchased and your account status); and

information gathered on our Website through online forms, site visit data and online information-collecting devices such as "cookies" and as further described herein.

When you choose to request a quote for, or request more information about, health insurance or ancillary products, you may provide Information about yourself, including your name, address, age, birthdate, gender, amount of coverage requested, phone number, e-mail address, and other items. This Information is shared with relevant third-parties necessary to fulfill your request. We may share this Information with insurance agencies, insurance brokers, and insurance companies. We do not share this Information with outside parties except to the extent necessary to complete your request such as submitting your application to insurer(s). To the extent that Protected Health Information is provided, such information will be used only as permitted by HIPAA.

Insurance institutions and other service providers subscribe to our system and compete for the opportunity to provide insurance products and services that match your inquiry. When you make an inquiry about an insurance quote and enter your personal information and click the "Submit" or "Get Quotes" button, you are authorizing the sharing of your inquiry and your Personally Identifiable Information entered with other businesses who provide insurance products or services that match your inquiry. By submitting your Personally Identifiable Information to us, you are also authorizing these businesses to contact you directly by e-mail and telephone with information about insurance products or services they offer that match your inquiry. You expressly consent to receive phone calls whether or not you are on the Do Not Call list (federal or state).

However, you should be aware that we have no control over how other businesses with whom we share your Personally Identifiable Information may use such Information or whether they will sell or share your Information with third parties.

Occasionally, HII may conduct marketing surveys or research to help us evaluate products, services, and the changing needs of our customers. HII will only provide such third parties with non-personally identifiable information in connection with such marketing surveys or marketing research.

Cookies, Web Beacons, Clear Gifs, and IP Addresses

HII may also use a feature of your browser called a "cookie." Your cookie automatically identifies your computer - but not you - to our servers when you visit the Website and allows us to correlate your computer with certain usage patterns which are stored in our log files. We may use cookies to gather general, aggregate statistics about the overall popularity and usage of the Website. HII may also use more temporary cookies, often referred to as session cookies, to keep a user logged into the system and aid in the exchange of information between pages without loss of data. Such a cookie, however, is only stored for the current browsing session and is deleted once the browser is closed. Search for Cookies under your Web browser's Help menu for more information on cookie management features available to you. If your browser is set to reject all cookies, the Website may not function properly.

HII may also collect information through the use of clear gifs (also called Web Beacons and Web Bugs) in selected e-mail messages we send to you. These are tiny graphic files, not visible to the human eye, that are included in HTML-based e-mails and used to let us know which e-mails we send are opened. Clear gifs may also see or read cookies on your computer. When authorized by HII, third parties specializing in monitoring aggregate statistical use of the Website with whom we contract, may use cookies, our web log files, web beacons, and other monitoring technologies to compile anonymous aggregate data.

Additionally, we may use IP address information to count and track aggregate visits to the Website, to help diagnose problems with our server, and to administer the Website. HII does not link IP addresses to anything personally identifiable, so while a particular user's session can be tracked, the user remains completely anonymous.

Third-party Access and Use

Occasionally, we hire third-party service providers to help provide or improve the services we offer you. Sometimes it is necessary for these providers to have access to the Personally Identifiable Information and/or Personal Health Information we collect about you. In those cases, we take reasonable steps to ensure that these providers do not use or otherwise disclose any Personally Identifiable Information we collect about you except for the purpose of fulfilling their service obligations to us.

We may share aggregate information about Website users with certain third parties. This information shows user activity as a whole rather than on an individual basis; such aggregate information cannot be used to individually identify you. We may use such aggregated information we collect about Website users to continue to improve our service for you.

As permitted by law, we may disclose Information, which may or may not include Protected Health Information, to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of HII's assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which such information is among the assets transferred. The acquiring entity will be subject to this Privacy Policy and to the law in its use of your Information, including any possible use of your Personally Identifiable Information and Protected Health Information, to the extent that any such information is transferred.

Accuracy of Your Information

We strive to maintain the accuracy of Information, including Personal Health Information and Protected Health Information, that is in our possession about you. In order to help us maintain accuracy, you have the right to reasonably access your Information, including Protected Health Information. If you believe any Information in our possession, including any Protected Health Information, is inaccurate, a request can be made to amend or delete such information that you believe to be erroneous. If we concur with the request, we will amend or delete the information in question.

Certain users of the Website may review and make changes to some of the Personally Identifiable Information that we collect and maintain online by simply logging in to the Website by inputting their username and password where indicated and following the instructions provided.

You can also correct factual errors in your Personally Identifiable Information by sending us a request that clearly shows the error that is to be corrected. Please contact us with such requests at: 1-877-376-5831; support@hiiquote.com. To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections. In addition, you may be prompted at certain times on the Website to update and correct your Personally Identifiable Information with us. It is your responsibility to keep the information that you provide to us current and accurate.

Other Websites and Links

The Website contains links to other websites that are not operated by HII. Please note that when you click on a link to one of these sites, you are exiting the Website to go to another site. HII is not responsible for the content or privacy practices of these websites. We suggest that you read the privacy policies of these sites, as their practices and policies may differ from ours.

Our Commitment To Data Security

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of Personally Identifiable Information and Protected Health Information, we have put in place reasonable physical, electronic, and managerial procedures to safeguard and secure the Personally Identifiable Information we collect online and we make good faith efforts to store your Personally Identifiable Information in a secure operating environment. We comply with HIPAA security requirements with respect to safeguarding and securing your Protected Health Information. Unfortunately, no data transmission over the Internet can be guaranteed to be absolutely secure. As a result, while we strive to protect your Personally Identifiable Information and Protected Health Information, we cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk. If HII provides you with a user name and password to access portions of the Website, HII disclaims any responsibility for a breach of privacy as a result of your willingly or inadvertently disclosing your user name and password to others. HII further disclaims any responsibility for a breach of privacy as a result of your willingly or inadvertently disclosing your policy number(s) and social security number, which may in some instances be used to access Personally Identifiable Information or Protected Health Information on the Website. If someone calls you, explains the call is on behalf of HII and asks for your policy number or social security number, you should beware.

Changes to the Privacy Policy

We encourage you to review this Privacy Policy not just the first time you visit the Website but periodically afterwards since we may modify this Privacy Policy from time to time. The date of the last update of this Privacy Policy will always be posted below:

THIS PRIVACY POLICY WAS LAST REVISED ON MAY 29, 2014.

If we make any substantive changes to this Privacy Policy in the future with regard to how we use your Personally Identifiable Information or Protected Health Information, we will incorporate those changes here. Your continued use of the Website after the changes are posted constitutes your agreement to the changes, both with regard to Information, including Protected Health Information, we have previously collected from you and with regard to Information, including Protected Health Information, we collect from you in the future. If you do not agree to the changes, please discontinue use of the Website. Lastly, if HII is sold or merged with another company, your Personally Identifiable Information and Protected Health Information will be included as part of the sale but unless you're notified that the Privacy Policy is changed, your Personally Identifiable Information and Protected Health Information will be maintained in the same manner.

Children's Privacy

The Website is not intended to be used by children and is not directed toward children under the age of 13. HII does not use the Website to knowingly solicit data from or market to children under the age of 13. The Website does not sell products for purchase by children. No person under 13 years of age should disclose information on the Website. If you are under 18, you may use the Website only with the involvement of a parent or guardian. Please visit www.consumer.ftc.gov/topics/kids-online-safety to learn more about protecting children's privacy.

We encourage you to send us e-mail but request that you do not send personal information such as account or social security numbers, as we cannot confirm the safety and security of such details when sent via e-mail

California Residents Privacy Rights

Companies that collect Personally Identifiable Information from California residents and disclose such information to third parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties. We have elected the second option and you may request that your Personally Identifiable Information not be shared with third parties by sending your request, including your full name, e-mail address and postal address to: support@hiiinsurancesolutions.com. In accordance with California Civil Code Sec. 1798.83, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by e-mail to dca@dca.ca.gov.

We encourage you to send us e-mail but request that you do not send personal information such as account or social security numbers, as we cannot confirm the safety and security of such details when sent via e-mail